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Safe Travels USA Comprehensive

Underwriter: Zurich Insurance Europe AG Belgian branch
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
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Safe Travels USA Comprehensive (A.M. Best Rating: A) is a comprehensive travel medical insurance plan designed specifically for international visitors traveling to the United States. It provides broad medical coverage for eligible new illnesses and injuries, emergency medical benefits, travel assistance, and access to the UnitedHealthcare PPO network, making it a popular choice for family visits, vacations, and business travel. Coverage is available from 5 days to 364 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% in eligible medical expenses, up to the selected policy maximum.

Safe Travels USA Comprehensive does not cover pre-existing conditions. Safe Travels USA Comprehensive includes acute onset coverage of pre-existing conditions: up to the policy maximum through age 69, $35,000 for ages 70–79, and $20,000 for ages 80+.

Review the Safe Travels USA Comprehensive policy documents for complete coverage details, exclusions, and limitations.

Learn more about 3 optional add-on benefits available on this plan.

Plan BrochureSample Description of Coverage
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How Safe Travels USA Comprehensive Works

After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside of the PPO network, after the deductible, plan pays 100% of eligible medical expenses

In Network

100%

After deductible, 100% up to policy maximum
See How Safe Travels USA Comprehensive Works.

Out of Network

100%

After deductible, 100% up to policy maximum

PPO Network for Safe Travels USA Comprehensive

Inside the USA

The PPO provider for Safe Travels USA Comprehensive Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Safe Travels USA Comprehensive policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

View Providers in USA

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can visit any doctor or hospital.

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room
Emergency Room
URC up to policy maximum
Hospitalization
Hospitalization
Average semi-private room and rate
Urgent Care
Urgent Care
$30 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
Prescription Rx - Medicine
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
Up to Policy Maximum: age 69 and below Up to $35000: age 70 to 79 Up to $20000: age 80 and above
PPO Network
PPO Network
PPO Network
Medical Evacuation
Medical Evacuation
Up to $1000000
Lab & X-Rays
Lab & X-Rays
100% up to policy maximum
Emergency Room
Emergency Room
URC up to policy maximum
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
Up to Policy Maximum: age 69 and below Up to $35000: age 70 to 79 Up to $20000: age 80 and above
Hospitalization
Hospitalization
Average semi-private room and rate
PPO Network
PPO Network
PPO Network
Urgent Care
Urgent Care
$30 copay, 100% up to Policy Maximum
Medical Evacuation
Medical Evacuation
Up to $1000000
Prescription Rx - Medicine
Prescription Rx - Medicine
100% up to policy maximum
Lab & X-Rays
Lab & X-Rays
100% up to policy maximum

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Safe Travels USA Comprehensive

  • For non U.S residents and non U.S citizens traveling to the U.S or the U.S and worldwide.
  • Coverage for minimum 5 days to maximum up to 364 days
  • Extendable for up to 364 days
  • For ages 1 years to 89 years
  • Plan must be purchased within 364 days of arrival
  • Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
  • Temporary coverage for green card holders visiting the USA for a short trip
Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
100%
Out-Network
Out-Network
100% up to policy maximum
100%
Available Policy Maximums
Available Policy Maximums
$20K $50K $100K $250K $500K $1M
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
$0 $50 $100 $250 $500 $1,000 $2,500 $5,000
Limits may vary based on age or destination of traveler
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    Up to Policy Maximum: age 69 and below Up to $35,000: age 70 to 79 Up to $20,000: age 80 and above
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    100% up to policy maximum
    100%
    Dr. / Physician Visit
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Urgent Care
    In-Network
    In-Network
    $30 copay, 100% up to Policy Maximum
    $30 100%
    Out-Network
    Out-Network
    $30 copay, 100% up to Policy Maximum
    $30 100%
    Surgical Treatment
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Lab & X-rays
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    Hospital Room and Board
    In-Network
    In-Network
    Average semi-private room and rate
    100%
    Out-Network
    Out-Network
    Average semi-private room and rate
    Dr. / Physician Visit
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Surgical Treatment
    In-Network
    In-Network
    100% up to policy maximum
    100%
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    Ambulance Expenses
    In-Network
    In-Network
    Up to policy maximum
    Out-Network
    Out-Network
    up to Policy Maximum
    Emergency Room
    In-Network
    In-Network
    URC up to policy maximum
    Out-Network
    Out-Network
    URC up to policy maximum
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    Dental Emergency
    Dental Emergency
    Up to $250
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    US Border Entry Protection
    US Border Entry Protection
    Not covered
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $1,000,000
    Return of Mortal Remains
    Return of Mortal Remains
    Up to $50,000
    Trip Interruption
    Trip Interruption
    Up to $5,000
    Trip Delay
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Upto $1,000
    Terrorism
    Terrorism
    Not covered
    Personal Liability
    Personal Liability
    Not covered
    Identity Theft
    Identity Theft
    Not covered
    Legal Fees
    Legal Fees
    Not covered
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Up to $125
    1.The visit must occur within the first 21 days from the effective date of coverage
    2. The Covered Person must purchase at least 30 days of coverage initially
    Preferred Rates
    Preferred Rates
    Not covered
    Optional add-on benefits

    Optional add-on benefits

    More coverage options available for extra protection.

    Accidental Death and Disability Upgrade
    Accidental Death and Disability Upgrade
    Basic AD&D coverage is already included in your policy. Choose an option here if you'd like to upgrade your AD&D coverage limits.
    Return to Home Country Coverage
    Return to Home Country Coverage
    Consider this option if you would like coverage for injury or sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage.
    Sports Activity Coverage
    Sports Activity Coverage
    Covers participation in archery, tennis, swimming, cross-country, track, volleyball, golf, ballet, baseball, basketball, cheerleading, equestrian, fencing, gymnastics, polo, rowing, soccer, and softball.

    Please note: Coverage excludes collision sports, extreme sports, and any sport not explicitly listed above. Professional and semi-professional sports are never covered.
    Safe Travels USA Comprehensive Exclusions

    Safe Travels USA Comprehensive Exclusions

    What is not covered

    Manage Your Policy Online

    Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

    Helpful Links

    Claims Contact Information

    Send Claim Form to:
    Surego Administrative Services,
    PO Box 2069, Fairhope, AL 36533
    1.866.747-2083 or 1.251.319-4019
    claims@mysurego.com
    Administrator Contacts:
    claims@mysurego.com
    Claims Form(s):
    Download Insurance Claim Form

    The Safe Travels USA Comprehensive plan is available for any non-US citizen or resident, including green card holders, visiting the USA for a short period of time. It is not available for US citizens, or long-term visa holders who pay taxes in the USA.

    Pre-existing conditions are not covered in the Safe Travels USA Comprehensive plan. However, it does cover for an acute onset of pre-existing conditions

  • For age 15 days to 69 years, the plan pays up to the policy maximum chosen in the application.
  • For age 70 to 79 years, the plan pays up to $35,000.
  • For age 80 and above, the plan pays up to $20,000.
  • For acute onset related to cardiac conditions, it covers up to $25,000 for age 69 and below and up to $15,000 for age 70 and above.

    • It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

    For the Safe Travels USA Comprehensive policy, an acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.

    You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Safe Travels USA Comprehensive, which is the United Healthcare PPO Network.

    You can search for doctors or hospitals in this Provider Directory.

    The Well Doctor Visit benefit included in the Safe Travels USA Comprehensive plan will cover a single visit for a routine health examination, unrelated to pre-existing conditions, up to $125.
    Please refer to the following article concerning the claim process for Safe Travels USA Comprehensive, administered by Trawick International: Visitor Insurance Claim Process
    The cost of Safe Travels USA Comprehensive varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $4 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
    Based on the desired coverage length you have selected, you have to make the full payment at the initial purchase. Since Safe Travels USA Comprehensive is extendable you can purchase for a shorter duration and then extend the policy as required. The policy cannot be extended once it has expired.

    Please refer to the following article about the policy usage for Safe Travels USA Comprehensive: How to use Visitor Insurance?

    Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
    Yes, if you buy Safe Travels USA Comprehensive initially for more than 5 days, you can extend the policy. You would need to extend the plan before the policy expires.

    Yes, you can cancel and get a refund for the Safe Travels USA Comprehensive Plan, if you need to go back earlier than planned. The following rules apply:

  • A written request is required for cancellation.
  • If you cancel the policy before the start date, you would get the full refund back.
  • After the policy start date, you can get the refund, only if you do not need to visit the doctor/provider while the policy is in force.
  • You can get the unused full month refund back
  • $50 cancellation fee applies after the start date.
  • If there is any claim on file, you would not get any refund back.
    • You cannot remove one person from Safe Travels USA Comprehensive if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
    To buy Safe Travels USA Comprehensive, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
    You can print out your ID card from your confirmation e-mail for Safe Travels USA Comprehensive, and it will be used as proof of insurance. Nothing is sent to the mailing address in the home country.
    Safe Travels USA Comprehensive provides coverage to non-US citizens who reside outside the USA and are traveling outside of Their Home Country to visit solely the United States, or to visit a combination of the United States and other countries Worldwide.

    The Insured must arrive in the USA before traveling to other countries. Coverage in countries outside the USA and your Home Country is available for up to 30 days during your Period of Insurance.

    Safe Travels USA Comprehensive can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence.

    Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Safe Travels USA Comprehensive will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

    Coverage for Safe Travels USA Comprehensive will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.
    Only the primary destination in the Safe Travels USA Comprehensive application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
    Coverage for the Safe Travels USA Comprehensive plan will begin on the date of departure (12:01am CST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am CST the day after the last date of coverage.
    No, your Safe Travels USA Comprehensive plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

    The Safe Travels USA Comprehensive plan does not offer any coverage for quarantine.

    If your school or educational program does not any have specific health insurance requirements to meet, Safe Travels USA Comprehensive can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.
    The insurance provider for Safe Travels USA Comprehensive recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
    Adventure or extreme sports like skiing, sky diving, mountain biking, rafting, etc are not covered in the Safe Travels USA Comprehensive Plan. Safe Travels USA Comprehensive plan does offer a Sports Activity Coverage optional benefit that covers while performing, practicing, or participating in certain sports.
    The Sports Activity rider for Safe Travels USA Comprehensive covers participation in sports such as archery, tennis, swimming, cross-country, track, volleyball, golf, ballet, baseball, basketball, cheerleading, equestrian, fencing, gymnastics, polo, rowing, soccer, and softball.

    Please note: Coverage excludes collision sports, extreme sports, and any sport not explicitly listed above. Professional and semi-professional sports are never covered.
    The optional AD&D Upgrade rider for Safe Travels USA Comprehensive allows you the flexibility to increase your AD&D coverage limits if you choose. This can be purchased with an additional premium at the time of purchase.

    Option #1: $50,000
    Option #2: $100,000
    Option #3: $250,000
    Option #4: $500,000
    The optional return to home country coverage benefit for Safe Travels USA Comprehensive can cover you for incidental trips back to your home country. The insured must return to the destination country in order for the policy to remain active. This can be purchased with an additional premium at the time of purchase.
    Yes, you may purchase Safe Travels USA Comprehensive even after the traveler has entered their destination country. The policy must be purchased within 364 days of your arrival. Eligible benefits and coverage will begin after the policy's effective start date.
    To purchase a Safe Travels USA Comprehensive policy, the minimum premium must be at least $20. If your total premium for the duration of coverage is $7, you will be charged $20 to meet the requirement. If you have further questions regarding the $20 premium minimum, please feel free to contact our licensed insurance specialist at support@visitorscoverage.com.
    If your original payment method is invalid, please call the Safe Travels USA Comprehensive plan administrator directly at 888-301-9289 to update/edit your refund method and preferred credit card details over the phone.
    Learn more from informative articles at Visitor Insurance Information section.

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    Disclaimer

    Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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    Optional add-on benefits

    Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

    Accidental Death and Disability Upgrade
    Basic AD&D coverage is already included in your policy. Choose an option here if you'd like to upgrade your AD&D coverage limits.
    Return to Home Country Coverage
    Consider this option if you would like coverage for injury or sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage.
    Sports Activity Coverage
    Covers participation in archery, tennis, swimming, cross-country, track, volleyball, golf, ballet, baseball, basketball, cheerleading, equestrian, fencing, gymnastics, polo, rowing, soccer, and softball.

    Please note: Coverage excludes collision sports, extreme sports, and any sport not explicitly listed above. Professional and semi-professional sports are never covered.

    Disclaimer:
    Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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